{"citations":{"source_mix":{"company_owned":17,"independent":23,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":26,"partial":5},"total_sources":42,"unique_domain_count":26},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Life Insurance for High-Risk Occupations","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for High-Risk Occupations","subject":"Pacific Life","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Pacific Life","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Pacific Life","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Pacific Life","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Pacific Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Pacific Life","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-high-risk-occupations/pacific-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-high-risk-occupations/pacific-life","report_type":"fit_review","study_id":"LICI-STUDY-255929A5E761","title":"Pacific Life for Life Insurance for High-Risk Occupations: AI Consensus Fit Review"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","The deterministic identity audit contains qualification notes that must be disclosed where relevant.","Citations are platform-reported evidence, not independently verified facts. No-search model claims require explicit verification before being described as current facts."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-23 07:54:14.121118+00","research_date":"2026-09-22","source_snapshot_sha256":"f12382c7e063db02fd29082c1d8eb36082a157c5ed728250686c965b10123376","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is a mixed fit for life insurance in high-risk occupations. Three of seven platforms named it during the ranking stage (43% of included platform responses), at an average listed rank of 6.0 and a best rank of 4. The strongest reason to consider it is PL Promise Term's multiple underwriting pathways — accelerated, modified, and traditional — plus conversion to universal life without new underwriting during the level-premium period. The main limitation is that no reviewed public source verifies occupation-specific pricing, flat-extra tables, or acceptance outcomes for commercial…","target_buyer":"A consumer works in an occupation that may involve elevated physical risk, such as commercial fishing, logging, mining, offshore work, certain construction work, or another hazardous profession.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They want life insurance from carriers that may be reasonably competitive for occupational risks."],"geography":"United States","slug":"best-life-insurance-for-high-risk-occupations","title":"Best Life Insurance for High-Risk Occupations","use_case":"Life Insurance for High-Risk Occupations"}}